Insurance Claims Assessments

Overview

An insurance vehicle engineer report or engineer report for an insurance claim in Ireland provides an objective evaluation of vehicle damage following an incident, helping insurers and policyholders understand the nature and extent of loss. The assessment is focused on documenting damage accurately and presenting findings in a format suitable for insurance decision-making.

These assessments are carried out independently and are based on observable damage, vehicle condition, and recognised engineering principles. The role of the assessment is to inform the claims process, not to advocate for any party.

Insurance Claims Assessments typically include:

• Inspection of accident-related vehicle damage
• Identification and documentation of material damage
• Assessment of structural and safety-related components
• Photographic evidence to support findings
• Review of available incident information provided by the client or insurer
• Engineering observations relevant to repair, reinstatement, or claim evaluation

Where appropriate, reports may assist with:

• Verification of damage claimed
• Repair versus write-off considerations
• Clarification of damage extent for settlement purposes
• Re-insurance of previously damaged vehicles following repair and certification

Process & deliverables

1. Instruction and Information Gathering - The assessment is initiated following instruction from an insurer, solicitor, or vehicle owner. Available claim and vehicle information is reviewed in advance of inspection.
2. Vehicle Inspection - The vehicle is inspected in its damaged condition at a suitable location, such as a repair facility or storage yard. The inspection focuses solely on damage relevant to the claim.
3. Engineering Review - Damage is assessed using an engineering-led approach, considering vehicle construction, safety systems, and repair standards. No assumptions are made beyond the evidence available.
4. Insurance Assessment Report - A written report is produced, typically including:
   • Vehicle and incident details (as provided)
   • Description of observed damage
   • Photographic documentation
   • Engineering findings and observations
   Reports are structured to support insurance handling and are suitable for review by claims handlers, engineers, and other relevant parties.

Example scenarios